You should be able to use a debit card as it's CREDIT cards that are being blocked, but some banks might even block debit card purchases of bitcoin as well. As long as you have the cash in your bank account you should be able to purchase Bitcoin with a debit card. It might be possible to use e-check but that takes longer as it takes several days for the direct transfer from your bank to clear.

Buy litecoin. Cheaper transaction/transfer fees. (Usually less than a dollar). I usually only buy $5 over to cover any fees. (To send to external wallet and then to send to source)

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New to cryptocurrency, what's the "external wallet"? Do you use this in conjunction with an app like "litecoin"? And if so, can you recommend a good external wallet that works well with litecoin or jaxx?
Thanks